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Most 401(k)s have some periodic maintenance fee. Transferring to a rollover IRA will eliminate that maintenance fee.

But make a Backdoor roth harder

As far as I can tell, the answer to that is nope. You can do it with a rollover IRA just as easily as with a 401(k).

If you have basis at EOY, there are more taxes.

The Australian Tax Office portal lists all of your active superannuation (or ‘super’, which is basically 401k) accounts, and offers a link to kick off the transfer process.

Despite having one of the most contradictory and complex taxation systems in the world, they do make some things very easy.

After 20 years that account might have escheated.

If the plan administrator can't reach you, perhaps.